FINANCE CALCULATOR

See how affordable your home improvement can be with our Finance Calculator.
James Oliver pattern

To make life easy for you, James Oliver can arrange a variety of convenient easy payment finance options (subject to application & affordability). Making an application is simple and we promise you a quick decision. Everything can be sorted out with you in the comfort of your home or at our Lincoln showroom and you should get an answer to your application within 24 hours, so you can enjoy whatever you’ve set your heart on right away.

  • BUY NOW PAY IN 3 MONTHS 10.9% APR Representative Buy now and pay nothing for 3 months, then pay over 80 or 120 months
  • BUY NOW PAY IN 3 MONTHS 9.9% APR Representative Buy now and pay nothing for 3 months, then pay over 120 or 177 months
  • BUY NOW PAY IN 4 MONTHS 12.9% APR Represenative Order today and pay nothing for 4 months, then pay over 120 months
  • BUY NOW PAY MONTHLY 10.9% APR Representative Order today with a 25% deposit and then spread the cost over 60 months.
£
Want to pay in monthly instalments after 3 months rather than one-off payment?
80 monthly payments
Deposit
£
Representative APR over 6 years
10.9%
120 monthly payments
Deposit
£
Representative APR over 10 years
10.9%
This finance option allows you the convenience and flexibility of spreading the cost of your home improvements over 80 or 120 months after your 3 months payment holiday*. You must make the minimum repayment each month. However you can also make additional payments and therefore control the length of the loan and the amount of interest you would pay. No security is required on these loans. These calculators are for illustrative purposes only and do not constitute a credit quotation.

Representative Example

Cash Price
£10,000.00
Deposit
£2,500.00
Total Amount of Credit
£7,500.00
Defer By
30 Months
Duration of Agreement
83 Months*
Rate of Interest
10.90% p.a. fixed
Representative APR
10.90% APR
80 Monthly Payments
£132.61
Total Amount Payable
£13,108.80
Settement Fee
£29.00
Credit is subject to application and affordability. Terms and conditions apply. Authorised and regulated by the Financial Conduct Authority. James Oliver Conservatories Limited of 1 Crofton Road, Allenby Trading Estate, Lincolnshire, LN3 4NL (Registered Company No. 04779150) act a credit broker not a lender and is authorised and regulated by the Financial Conduct Authority. Credit provided by Novuna Personal Finance, a trading style of Mitsubishi HC Capital UK PLC, authorised and regulated by the Financial Conduct Authority (Register No. 704348).
£
Want to pay in monthly instalments after 3 months rather than one-off payment?
120 monthly payments
Deposit
£
Representative APR over 10 years
9.9%
177 monthly payments
Deposit
£
Representative APR over 14 years
9.9%
This finance option allows you the convenience and flexibility of spreading the cost of your home improvements over 120 or 177 months after your 3 months payment holiday*. You must make the minimum repayment each month. However you can also make additional payments and therefore control the length of the loan and the amount of interest you would pay. No security is required on these loans. These calculators are for illustrative purposes only and do not constitute a credit quotation.

Representative Example

Cash Price
£20,000.00
Deposit
£5,000.00
Total Amount of Credit
£15,000.00
Defer By
3 Months
Duration of Agreement
123 months*
Rate of Interest
9.9% p.a. fixed
Representative APR
9.9% APR
120 Monthly Payments
£197.01
Total Amount Payable
£28,641.20
Settlement Fee
£29.00
Credit is subject to application and affordability. Terms and conditions apply. Minimum loan value £15,000.00. Authorised and regulated by the Financial Conduct Authority. James Oliver Conservatories Limited of 1 Crofton Road, Allenby Trading Estate, Lincolnshire, LN3 4NL (Registered Company No. 04779150) act a credit broker not a lender and is authorised and regulated by the Financial Conduct Authority. Credit provided by Novuna Personal Finance, a trading style of Mitsubishi HC Capital UK PLC, authorised and regulated by the Financial Conduct Authority (Register No. 704348).
£
Want to pay in monthly instalments after 4 months rather than one-off payment? Consider this option.
Deposit
£
Pay within 4 months + £29 exit fee
£
Want to pay in monthly instalments after 4 months rather than one-off payment? Consider this option.
120 monthly payments
Deposit
£
Representative APR over 10 years
12.9%
This finance option allows you the convenience and flexibility of spreading the cost of your home improvements over 120 months after your 4 months payment holiday*. You must make the minimum repayment each month. However you can also make additional payments and therefore control the length of the loan and the amount of interest you would pay. No security is required on these loans. These calculators are for illustrative purposes only and do not constitute a credit quotation.

Representative Example

Cash Price
£10,000.00
Deposit
£2,500.00
Total Amount of Credit
£7,500.00
Defer By
4 Months
Duration of Agreement
124 Months*
Rate of Interest
12.9% p.a. fixed
Representative APR
12.9% APR
120 Monthly Payments
£111.78
Total Amount Payable
£15,913.60
Settlement Fee
£29.00
Credit is subject to application and affordability. Terms and conditions apply. Minimum loan value £1,000. Authorised and regulated by the Financial Conduct Authority. James Oliver Conservatories Limited of 1 Crofton Road, Allenby Trading Estate, Lincolnshire, LN3 4NL (Registered Company No. 04779150) act a credit broker not a lender and is authorised and regulated by the Financial Conduct Authority. Credit provided by Novuna Personal Finance, a trading style of Mitsubishi HC Capital UK PLC, authorised and regulated by the Financial Conduct Authority (Register No. 704348).
£
Deposit
£
£
60 monthly payments
Deposit
£
Representative APR
10.90%
With only a 25% deposit required for your windows & doors – this finance option allows you the convenience and flexibility of spreading the cost over 60 months. You must make the minimum repayment each month. However you can also make additional payments and therefore control the length of the loan and the amount of interest you would pay. These calculators are for illustrative purposes only and do not constitute a credit quotation.

Representative Example

Cash Price
£4,000.00
Deposit
£1,000.00
Total Amount of Credit
£3,000.00
Duration of Agreement
60 Months
Rate of Interest
10.90% p.a. fixed
Representative APR
10.90%
60 Monthly Payments
£65.67
Total Amount Payable
£4,940.20
Credit is subject to application and affordability. Terms and conditions apply. Minimum loan value £3,000. Authorised and regulated by the Financial Conduct Authority. James Oliver Conservatories Limited of 1 Crofton Road, Allenby Trading Estate, Lincolnshire, LN3 4NL (Registered Company No. 04779150) act a credit broker not a lender and is authorised and regulated by the Financial Conduct Authority. Credit provided by Novuna Personal Finance, a trading style of Mitsubishi HC Capital UK PLC, authorised and regulated by the Financial Conduct Authority (Register No. 704348).

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